About Renovo Insights
A personal finance curriculum built by someone who has seen what happens when students don’t have one.
Mark H. Johnson
CFP®, AEP®, CEPA®, CDFA®, BFA™, JD, MBA
Founder, Renovo Financial Insights
Founder, Reviresco Financial Planning & Wealth Management Monroe, Michigan
I have sat across the table from thousands of clients navigating the biggest financial decisions of their lives — a business exit, a divorce, retirement, an estate. And in almost every one of those conversations, somewhere in the first hour, we arrive at the same moment: they wish someone had taught them this earlier.
Your Next Chapter™ is that earlier. It is a personal finance curriculum designed for high school students — built around the decisions they will actually face in the five years after graduation, not hypothetical examples from a textbook. Every unit produces a real artifact. The capstone is a complete financial plan for their specific life after high school. Students leave with a document they will use.
I built it because I could. I have a CFP®, a JD, an MBA, and 14 years of watching what happens to people who make major financial decisions without preparation. This curriculum is the thing I wish had existed when my own seven children were learning about money for the first time.
CFP® — Certified Financial Planner
AEP® — Accredited Estate Planner
CEPA® — Certified Exit Planning Advisor
CDFA® — Certified Divorce Financial Analyst
BFA™ — Behavioral Financial Advisor
JD — Syracuse University College of Law
MBA — Eastern Michigan University
BS - Eastern Michigan University
LPL Financial affiliated (through Reviresco Financial Planning & Wealth Management)
One Philosophy. Two Expressions
Renovo Financial Insights is the education arm — the marketing name for Your Next Chapter™ and any future curriculum products. It is a DBA of Reviresco, LLC.
Reviresco Financial Planning & Wealth Management is the financial advisory practice — the LPL Financial affiliated firm that serves individuals, families, and business owners navigating life's biggest financial transitions.
The name Reviresco is Latin for 'I grow strong again.' It reflects restoration, resilience, and hope.
The word Renovo is Latin for 'I renew' or 'I restore.' Both names come from the same root impulse: helping people navigate a consequential transition and come out stronger on the other side.
The curriculum and the practice are legally separate entities. The Renovo site offers educational products. Personal financial planning conversations happen at reviplanning.com.
From Our Town to Yours
Built in Monroe, Michigan - for students wherever they are.
Monroe, Michigan — the town Mark calls home, and the students it was built for first. He loves that community; he even hosts a podcast, Monroe County Conversations, just to sit down with the local leaders, entrepreneurs, and neighbors who build it. But a career in financial planning has put Mark across the table from families all over the country, and it taught him the same thing every time: everyone has a Monroe County. The hopes don't change from one zip code to the next — a good job, a place of your own, a family to build a life around. What changes is the numbers.
So the curriculum was built to meet each student where they actually live.
That local orientation isn't a Michigan feature — it's a design principle. The curriculum is built around real data sources: the Bureau of Labor Statistics Occupational Outlook Handbook for career and wage research, local rental listings for housing costs, and regional utility and transportation averages. When a student in a rural district researches what a welder earns in their county, or a student in a city models the cost of a one-bedroom apartment in their zip code, they're working with numbers that reflect their actual community — not a national average that belongs to no one. The course doesn't tell students what their life will look like. It hands them the tools to research it themselves, wherever "there" is for them.
This was built because Mark loves where he's from — and because years of sitting across the table from families taught him that everyone feels that way about home. It was made for families in Monroe, and for families a thousand miles away, and for a student in a town you've never heard of who deserves the same head start. Local doesn't mean Michigan. Local means wherever you're sitting when you open it.